So, I learned today that since the Cosmic Wife was lucky enough to find a full time job, I can no longer carry her on my employer’s health care plans. Spouses who can be (not “ARE” but “CAN BE”) covered on another plan cannot be covered on our plan.

So the very first tangible impact of Obamacare is that I will have to pay full family costs for health care to cover me and my kids, while my wife will have to get coverage from her employer. This means we will have to pay two full premiums for the same coverage we had before on one plan. And my premiums are going up along with my deductibles and co-pays.

Of course I was expecting to get screwed by Obamacare, but I didn’t realize how quickly and thoroughly it would happen.

Now we are having to examine whether it makes sense for her to work at all.

It is probably fair to note that we are square in the middle of the target demographic that Obama hates and wants to punish.

It’s not by accident.

Drax said,

in November 9th, 2013 at 10:58 am

This is a typical insurance tactic which is used to deny coverage to people who are deserving of it under the terms of their insurance. (In this case, if the Cosmic wife were unemployed or her employer didn’t offer insurance, she would be covered under Cosmic’s insurance policy.)

It happens most frequently with medical insurance and worker’s compensation medical payments. Both sides claim that the other insurer is responsible for the medical payments so neither pay until it’s sorted out in court. Same thing in automobile accidents where the injured party has some method of paying the medical bills (uninsured motorists’ insurance, medical payments, his own or employer provided health care) and the at fault party has liability insurance which also is obligated to pay.